OSTATNIA AKTUALIZACJA:1 LISTOPADA 2020 R.

 

Bank of America– Zasady zachowania poufności w związku z kartami firmowymi

 

Niniejsze Zasady zachowania poufności wyjaśniają, w jaki sposób Bank of America Europe DAC gromadzi, wykorzystuje i ujawnia dane osobowe online i offline w związku z udostępnianiem kart firmowych, płatności firmowych i usług sprawozdawczości, które świadczymy na rzecz naszych klientów korporacyjnych i instytucjonalnych („Usługi"). Osoby, których dane osobowe są przez nas przetwarzane, takie jak posiadacze kart, osoby podróżujące i pracownicy naszych klientów, są określane się w niniejszych Zasadach w drugiej osobie liczby pojedynczej.

 

DANE OSOBOWE

 

Dane osobowe” to informacje, które identyfikują określoną osobę albo odnoszą się do osoby możliwej do zidentyfikowania, w tym:

 

  • Imię i nazwisko
  • Adres pocztowy
  • Numer telefonu
  • Adres e-mail i inne adresy identyfikujące wykorzystywane w komunikacji elektronicznej
  • Data urodzenia
  • Dane z paszportu i innych dokumentów tożsamości wydanych przez organy administracji rządowej (takie jak numer ubezpieczenia społecznego, prawa jazdy, krajowy numer ubezpieczenia i inne numery identyfikujące)
  • Tytuł
  • Nazwisko panieńskie matki albo inne pytania zabezpieczające i odpowiedzi na nie, wykorzystywane w celu uwierzytelnienia
  • Dane konta bankowego
  • Identyfikator pracownika
  • Identyfikator urządzenia
  • Nagrania telefoniczne lub elektroniczne
  • Adres IP
  • Tożsamość akceptantów, w kontaktach z którymi karty firmowe są wykorzystywane do dokonywania płatności za towary i usługi
  • Daty i kwoty zakupu

 

Gromadzenie i przetwarzanie danych osobowych może być wymagane w związku ze świadczeniem żądanych Usług lub z powodu wymagań prawnych. W przypadku nieotrzymania żądanych informacji świadczenie wymaganych Usług może być niemożliwe.

 

Gromadzenie danych osobowych

 

Możemy wraz z naszymi agentami, podmiotami stowarzyszonymi i dostawcami usług gromadzić dane osobowe na różne sposoby, w tym:

 

  • Za pośrednictwem Usług: możemy gromadzić dane osobowe za pośrednictwem Usług.
  • W sposób inny niż za pośrednictwem Usług: Możemy gromadzić dotyczące Cię dane osobowe nie tylko za pośrednictwem Usług, np. jeśli jesteś stroną transakcji albo umowy.
  • Z innych źródeł: możemy otrzymywać dane osobowe z innych źródeł, na przykład od Twojego pracodawcy, od podmiotu, na rzecz którego świadczymy Usługi oraz od innych osób trzecich.

 

Wykorzystanie danych osobowych możemy wraz z naszymi dostawcami usług wykorzystywać dane osobowe do realizacji naszych uzasadnionych celów biznesowych, między innymi:

 

  • w celu administrowania Twoją kartą lub programem kart naszego klienta, a także świadczenia usług na rzecz Ciebie lub naszego klienta;
  • w celu realizacji transakcji;
  • w celu przestrzegania zasad określonych w danym programie kart;
  • w celu odpowiadania na zapytania i realizacji wniosków naszych klientów, do administrowania ich kontami i zarządzania naszą współpracą;
  • do weryfikowania tożsamości i/lub lokalizacji osoby (lub tożsamości bądź lokalizacji Twojego przedstawiciela czy też agenta) w celu umożliwienia dostępu do kont klientów bądź prowadzenia transakcji online;
  • w celu ochrony bezpieczeństwa rachunków i danych osobowych;
  • do celów biznesowych, takich jak analiza danych, audyty, opracowywanie i ulepszanie produktów i usług, identyfikacja trendów użytkowania i określanie skuteczności kampanii promocyjnych oraz ulepszanie, usprawnianie lub modyfikowanie naszych Usług;
  • do zarządzania ryzykiem, wykrywania i zapobiegania oszustwom, m.in. procedur „poznaj swojego klienta”, przeciwdziałania praniu brudnych pieniędzy, spełniania wymagań należytej staranności, przestrzegania przepisów w zakresie sankcji, monitorowania nadużyć finansowych i sprawozdawczości podatkowej;
  • w celu przestrzegania przepisów (w tym wszelkich prawnych i regulacyjnych wytycznych, kodeksów lub opinii) oraz wszelkich innych procesów prawnych oraz wymagań w zakresie egzekwowania prawa; oraz
  • do wysyłania do klientów informacji administracyjnych, takich jak zmiany naszych warunków, postanowień i zasad.

 

Uwaga: dane osobowe, które gromadzimy w celu przestrzegania zobowiązań prawnych i regulacyjnych dotyczących zapobiegania praniu pieniędzy i finansowania terroryzmu, są przetwarzane wyłącznie w tych celach, o ile ich inne przetwarzanie nie zostało uzgodnione albo nie jest dopuszczalne.

 

Nie będziemy wykorzystywać Twoich danych osobowych do podejmowania decyzji wyłącznie w oparciu o przetwarzanie automatyczne (w tym profilowanie), które wywiera w stosunku do osób fizycznych skutki prawne albo w istotnym stopniu zbliżone.

 

Ujawnianie danych osobowych

 

Dane osobowe mogą zostać ujawnione:

 

  • wszelkim osobom lub firmom pracującym dla nas (takim jak profesjonalne organizacje usługowe, np. dostawcy usług prawnych, audytorskich i księgowych, firmy z sektora technologii i przetwarzania danych oraz dostawcy hostingu IT);
  • Twojemu pracodawcy lub jakiejkolwiek grupie firm Twojego pracodawcy bądź naszego klienta;
  • dowolnej osobie lub firmie, która dostarcza produkty bądź świadczy usługi dla Ciebie, Twojego pracodawcy lub naszego klienta w związku z Twoją kartą lub transakcją (takim jak nasz ubezpieczyciel, broker ubezpieczeniowy, system kart, dostawca usług o wartości dodanej, firma zarządzająca podróżami);
  • jakimkolwiek osobom, na rzecz których przenosimy lub możemy przenieść dowolne nasze prawa bądź obowiązki na mocy umowy zawartej z Twoim pracodawcą lub naszym klientem;
  • dowolnemu systemowi kart, w którym została wydana Twoja karta, program kart lub transakcja;
  • dowolnym instytucjom, sądom, agencjom albo organom władzy (w tym również organom ścigania i organom regulacyjnym, którym podlegamy), którym jesteśmy zobowiązani je ujawnić na mocy przepisów prawa, w tym w szczególności przepisów sprawozdawczości regulacyjnej, przepisów dotyczących przeciwdziałania terroryzmowi i praniu brudnych pieniędzy, a także w celu zwalczania przestępczości i terroryzmu;
  • dowolnym dostawcom informacji o kontach lub osobom trzecim, które zostały upoważnione przez Twojego pracodawcę lub naszego klienta do otrzymywania przechowywanych przez nas danych bądź uzyskiwania dostępu do nich;
  • naszym podmiotom stowarzyszonym do celów opisanych w niniejszych Zasadach zachowania poufności (lista naszych podmiotów stowarzyszonych jest dostępna na żądanie); oraz
  • naszym zewnętrznym dostawcom usług, którzy świadczą usługi, takie jak hosting witryn internetowych, analiza danych, przetwarzanie płatności, realizacja zamówień, dostarczanie technologii informacyjnych i związanej z nimi infrastruktury, obsługa klienta, dostarczanie poczty elektronicznej, produkcja kart, drukowanie, audyty i inne usługi.

 

Przypadki podania nieprawidłowych lub niedokładnych informacji oraz podejrzenia popełnienia oszustwa zostaną odnotowane oraz mogą zostać przekazane agencjom ds. zapobiegania nadużyciom finansowym oraz organom ścigania.

 

Jeśli jakakolwiek płatność zrealizowana w związku z rachunkiem jest przetwarzana w ramach globalnego systemu płatności, informacje o Tobie mogą zostać przekazane określonym organom władzy (m.in. organom władzy spoza Irlandii) w celu wykrywania i zapobiegania terroryzmowi.

 

Inne przypadki wykorzystania i ujawniania

 

Możemy też wykorzystywać i ujawniać dane osobowe w zakresie, jaki uznamy za konieczny albo stosowny: (a) w celu zachowania zgodności z obowiązującymi przepisami prawa, które mogą obejmować przepisy obowiązujące poza terytorium Twojego kraju zamieszkania, w odpowiedzi na żądania ze strony organów władzy publicznej i rządowej, co może obejmować organy władzy spoza Twojego kraju zamieszkania, w celu współpracy z organami ścigania albo z innych powodów prawnych; (b) do egzekwowania naszych regulaminów; oraz (c) do ochrony praw, prywatności, bezpieczeństwa albo majątku naszego lub naszych jednostek stowarzyszonych, a także Ciebie bądź innych osób.

 

Ponadto możemy wykorzystywać, ujawniać lub przekazywać dane osobowe osobom trzecim w przypadku reorganizacji, fuzji, sprzedaży, udziału w spółce joint venture, cesji, przeniesienia lub innego zbycia całości lub części naszej działalności, aktywów lub udziałów (w tym między innymi w związku z postępowaniem upadłościowym).

 

INNE INFORMACJE

 

Inne informacje” to wszelkie informacje, które nie ujawniają tożsamości danej osoby ani nie odnoszą się bezpośrednio do osoby możliwej do zidentyfikowania, takie jak:

 

  • Informacje o przeglądarce i urządzeniu
  • Dane dotyczące użytkowania aplikacji
  • Informacje gromadzone za pomocą plików cookie, znaczników pikselowych lub innych technologii
  • Informacje demograficzne i inne dostarczone przez Ciebie informacje, które nie ujawniają tożsamości danej osoby
  • Informacje, które zostały zagregowane w taki sposób, by nie ujawniały tożsamości danej osoby

 

Jeśli jesteśmy zobowiązani na mocy obowiązującego prawa do traktowania innych informacji jak danych osobowych, wówczas możemy wykorzystywać i ujawniać je do celów, do których wykorzystujemy i ujawniamy dane osobowe w sposób opisany w niniejszych Zasadach zachowania poufności.

 

Gromadzenie innych informacji

 

Wraz z naszymi dostawcami usług możemy gromadzić inne informacje na różne sposoby, w tym:

 

  • Za pośrednictwem przeglądarki lub urządzenia: Pewne informacje są gromadzone przez większość przeglądarek lub automatycznie za pośrednictwem urządzeń, np. adres Media Access Control (MAC), typ komputera (Windows lub Mac), rozdzielczość ekranu, nazwa i wersja systemu operacyjnego, producent i model urządzenia, język, typ przeglądarki internetowej oraz nazwa i wersja używanych Usług (takich jak Aplikacja). Wykorzystujemy te informacje, aby zapewnić prawidłowe działanie Usług.
  • Wykorzystanie plików cookie: Pliki cookie to fragmenty informacji przechowywane bezpośrednio na używanym komputerze. Pliki cookie umożliwiają gromadzenie informacji, takich jak typ przeglądarki, czas spędzony w Usługach, odwiedzane strony, preferencje językowe i inne anonimowe dane o ruchu. Wraz z naszymi zewnętrznymi dostawcami usług wykorzystujemy te informacje do celów związanych z bezpieczeństwem, do ułatwiania nawigacji, skuteczniejszego wyświetlania informacji oraz personalizacji środowiska użytkownika. Gromadzimy również informacje statystyczne na temat korzystania z Usług w celu ciągłego doskonalenia ich konstrukcji i funkcjonalności, poznania sposobu ich wykorzystywania oraz łatwiejszego rozwiązywania pytań, które ich dotyczą. Aktualnie nie odpowiadamy na żądanie „nie śledź” ze strony przeglądarek.
  • Większość przeglądarek pozwala użytkownikom automatycznie odrzucać pliki cookie lub daje możliwość odrzucania bądź akceptowania konkretnych plików cookie z określonej witryny internetowej. Więcej informacji znajdziesz na stronie http://www.allaboutcookies.org/manage-cookies/index.html. Odrzucenie plików cookie może spowodować, że niektóre części Usług przestaną działać.
  • Używanie znaczników pikselowych i innych technologii: Znaczniki pikselowe (znane również jako sygnały nawigacyjne lub czyste GIF-y) mogą być używane między innymi do śledzenia działań użytkowników Usług (w tym odbiorców poczty e-mail), mierzenia skuteczności kampanii marketingowych i zestawiania statystyk dotyczących korzystania z Usług i wskaźników odpowiedzi.
  • Analityka: Możemy korzystać z usługi Google Analytics, która wykorzystuje pliki cookie i podobne technologie do gromadzenia i analizowania informacji o korzystaniu z Usług oraz sporządzania sprawozdań dotyczących aktywności i trendów. Ta usługa może również gromadzić informacje dotyczące korzystania z innych witryn, aplikacji i zasobów internetowych. O praktykach stosowanych przez Google dowiesz się na stronie www.google.com/policies/privacy/partners. Zastrzegamy sobie prawo do wykorzystywania Flash LSO i innych technologii, m.in. do gromadzenia i przechowywania informacji na temat sposobu, w jaki korzystasz z Usług. Jeśli nie życzysz sobie, aby pliki Flash LSO były zapisywane na Twoim komputerze, możesz zmienić ustawienia swojego odtwarzacza Flash i zablokować możliwość zapisywania Flash LSO, korzystając z narzędzi w panelu ustawień zapisu strony internetowej (Website Storage Settings Panel) na stronie http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html. Możesz również wejść do panelu globalnych ustawień zapisu (Global Storage Settings Panel) na stronie http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager03.html i postępować zgodnie z instrukcjami (dzięki którym dowiesz się na przykład, jak usuwać istniejące Flash LSO [„informacje”], jak nie dopuszczać do tego, aby Flash LSO były zapisywane na Twoim komputerze bez Twojej zgody czy też jak blokować Flash LSO dostarczane przez operatora strony, którą akurat odwiedzasz). Uwaga: ustawienie odtwarzacza Flash Player w sposób ograniczający przyjmowanie Flash LSO może ograniczać funkcjonalność albo zakłócać działanie niektórych aplikacji Flash.
  • Adres IP: Adres IP jest automatycznie przypisywany do komputera przez dostawcę usług internetowych. Adres IP może zostać określony i automatycznie zarejestrowany w naszych plikach dziennika serwera za każdym razem, gdy użytkownik uzyskuje dostęp do Usług, wraz z czasem wizyty i odwiedzonymi stronami. Gromadzenie adresów IP to standardowa praktyka i jest to robione automatycznie przez wiele różnych witryn, aplikacji oraz innych usług. Wykorzystujemy adresy IP do celów, takich jak obliczanie poziomów użycia, diagnozowanie problemów z serwerami oraz administrowanie Usługami. Możemy również uzyskać przybliżoną lokalizację na podstawie adresu IP.

 

Wykorzystanie i ujawnianie innych informacji

 

Możemy wykorzystywać i ujawniać inne informacje w dowolnym celu, z wyjątkiem sytuacji, w których zgodnie z obowiązującym prawem mamy obowiązek postąpić inaczej. W niektórych przypadkach możemy łączyć inne informacje z danymi osobowymi. W takim przypadku będziemy traktować połączone informacje jako dane osobowe tak długo, jak będą połączone.

 

USŁUGI INNYCH FIRM

 

Niniejsze Zasady zachowania poufności nie odnoszą się do kwestii prywatności, informacji ani innych praktyk osób trzecich, w tym osób trzecich prowadzących jakiekolwiek witryny internetowe lub usługi, do których prowadzą łącza Usługi, a także nie ponosimy żadnej odpowiedzialności w tym zakresie. Uwzględnienie w Usługach łącza do witryny nie oznacza, że jest ona popierana przez nas lub nasze podmioty stowarzyszone.

 

zabezpieczenia

 

Staramy się stosować należyte środki organizacyjne, techniczne i administracyjne w celu ochrony danych osobowych w obrębie naszej organizacji. Niestety żadna transmisja danych ani system ich zapisu nie zapewnia stuprocentowej gwarancji bezpieczeństwa. Jeżeli masz powody aby sądzić, że Twój kontakt z nami przestał być bezpieczny, poinformuj nas o tym niezwłocznie zgodnie z informacjami przedstawionymi w punkcie „Kontakt”, poniżej.

 

Jak osoby indywidualne mogą uzyskać dostęp do swoich danych osobowych, zmienić je lub zablokować

 

Jeśli chcesz zażądać możliwości uzyskania wglądu, sprostowania, zaktualizowania, zablokowania, ograniczenia albo usunięcia wcześniej przekazanych nam danych osobowych albo chcesz zażądać elektronicznej kopii swoich danych osobowych w celu przekazania ich innemu przedsiębiorstwu (w zakresie, w jakim to prawo do przenoszenia danych przysługuje Ci na mocy obowiązującego prawa), możesz skontaktować się z nami telefonicznie pod numerem 00800 0456 7890. Odpowiemy na Twoją prośbę zgodnie z obowiązującym prawem.

 

W prośbie należy wyjaśnić, jakie dane osobowe mają zostać zmienione, czy chcesz zablokować dane osobowe w naszej bazie danych lub jakie ograniczenia chcesz nałożyć na korzystanie przez nas z danych osobowych. Ze względów bezpieczeństwa możemy realizować żądania wyłącznie w odniesieniu do danych osobowych związanych z konkretnym adresem e-mail, z którego prośba została wysłana, a przed realizacją żądania możemy wymagać weryfikacji tożsamości. Postaramy się spełnić Twoją prośbę w najszybszym praktycznie możliwym terminie.

Należy wziąć pod uwagę, że w celach ewidencyjnych, regulacyjnych lub po to, by zrealizować transakcje, które zostały przez Ciebie zainicjowane przed złożeniem wniosku o zmianę bądź usunięcie danych, możemy zachować pewne dane. Mogą również występować informacje szczątkowe, które pozostaną w naszych bazach danych i innych rejestrach i które nie zostaną usunięte. W przypadku prośby o usunięcie możemy nie mieć możliwości dalszego świadczenia Usług.

 

OKRES PRZECHOWYWANIA

 

Będziemy przechowywać dane osobowe tak długo, jak będzie to wymagane lub dozwolone w odniesieniu do celów, dla których je uzyskano. Przy ustalaniu czasu trwania okresu przechowywania uwzględniamy następujące kryteria: (i) czas obowiązywania stosunku z naszym klientem i zapewniania mu dostępu do Usług; (ii) ewentualne wymagania obowiązujących nas przepisów prawa; albo (iii) czy przechowywanie informacji jest zalecane ze względu na nasz interes prawny (np. w związku z obowiązującymi okresami przedawnienia, sporami sądowymi albo czynnościami wyjaśniającymi organów regulacyjnych).

 

korzystanie z Usług przez OSOBY NIEPEŁNOLETNIE

 

Usługi nie są kierowane do osób poniżej osiemnastego (18.) roku życia. Nie gromadzimy świadomie danych osobowych osób poniżej 18. roku życia.

 

JURYSDYKCJA I TRANSFER TRANSGRANICZNY

 

Dane osobowe mogą być przechowywane i przetwarzane we wszystkich krajach, w którym posiadamy placówki lub w których angażujemy dostawców usług, w tym w Stanach Zjednoczonych. W określonych okolicznościach sądy, organy ścigania, agencje regulacyjne lub organy bezpieczeństwa w tych innych krajach mogą być uprawnione do dostępu do danych osobowych.

Jeżeli znajdujesz się w obrębie Europejskiego Obszaru Gospodarczego (EOG): Niektóre z krajów spoza EOG są uznawane przez Komisję Europejską za zapewniające odpowiedni poziom ochrony danych zgodnie ze standardami EOG (pełna lista tych krajów jest dostępna tutaj https://ec.europa.eu/info/law/law-topic/data-protection_en. Odnośnie do przekazywania informacji z krajów EOG do krajów nieuznanych przez Komisję Europejską za zapewniające odpowiedni poziom ochrony wprowadziliśmy odpowiednie środki, takie jak zastosowanie Standardowych klauzul umownych przyjętych przez Komisję Europejską w celu ochrony danych osobowych. Dokumenty określające te środki można uzyskać pod tym łączem: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en.

 

DANE WRAŻLIWE

 

Co do zasady nie gromadzimy wrażliwych danych osobowych w związku z Usługami. Prosimy nie przesyłać do nas żadnych wrażliwych danych osobowych (np. informacji dotyczących pochodzenia rasowego albo etnicznego, poglądów politycznych, wyznania ani innych przekonań, stanu zdrowia, danych biometrycznych ani cech genetycznych, wcześniejszej karalności ani przynależności do związków zawodowych) za pośrednictwem Usług ani w inny sposób.

 

AKTUALIZACJA NINIEJSZYCH ZASAD ZACHOWANIA POUFNOŚCI

 

Możemy wprowadzać zmiany do niniejszych Zasad zachowania poufności. Umieszczone w górnej części strony oznaczenie „Ostatnia aktualizacja” wskazuje, kiedy niniejsze Zasady zachowania poufności były ostatnio aktualizowane. Wszelkie zmiany wchodzą w życie po opublikowaniu zmienionych Zasad zachowania poufności w Usługach. Korzystanie z Usług po wprowadzeniu tych zmian (tudzież dalsze przekazywanie nam danych osobowych) oznacza akceptację zmienionych Zasad zachowania poufności.

 

KONTAKT

 

W razie jakichkolwiek pytań dotyczących tych Zasad zachowania poufności prosimy o kontakt pod numerem 00800 0456 7890 albo:

 

Bank of America Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, Wielka Brytania

 

Bank of America Europe DAC, Two Park Place, Hatch Street, Dublin 2, Irlandia. zarejestrowany w Irlandii (nr. 229165). Nr VAT IE 8229165F. Siedziba: Two Park Place, Hatch Street, Dublin 2, Irlandiajest przedsiębiorstwem odpowiedzialnym za gromadzenie, wykorzystywanie i ujawnianie Twoich danych osobowych w myśl postanowień niniejszych Zasad zachowania poufności.

 

DODATKOWE INFORMACJE DLA EOG

 

Osoby z EOG mogą również:

 

  • kontaktować się z nami pod numerem 00800 0456 7890 w celu uzyskania odpowiedzi na ewentualne pytania dotyczące niniejszych Zasad zachowania poufności;
  • wnieść skargę do organu nadzorczego właściwego dla swojego kraju albo regionu albo
  • nawiązać kontakt z naszym inspektorem ochrony danych w UE pod adresem BOFA.EUDPO@bofa.com

 

W myśl prawa francuskiego osoby fizyczne mogą ustalać zasady dot. przechowywania, usuwania i ujawniania ich danych osobowych po ich śmierci. Z uprawnień tych można skorzystać, kontaktując się z nami w sposób określony w punkcie „Kontakt”.

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General Disclaimer for Bank of America Merrill Lynch

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.
©2020 Bank of America Corporation.

Disclaimer for Australia:

"Bank of America" is the marketing name for the lending, derivatives and other commercial banking activities of Bank of America Corporation ("BAC"). These activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA Australia"). "BofA Securities" is the marketing name for the securities, corporate advisory and capital markets activities of BAC. These activities are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BAC entities including BAC itself is an Authorised Deposit-taking Institution authorised under the Banking Act 1959 of Australia regulated by the Australian Prudential Regulation Authority. The obligations of BAC entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.

©2020 Bank of America Corporation.

Disclaimer for India:

Bank of America, N.A. is a subsidiary of Bank of America Corporation, operating in India. Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.

Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in India by DSP Merrill Lynch Ltd, which provides the following services in India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&A. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured . May Lose Value . Are Not Bank Guaranteed.

©2020 Bank of America Corporation.

Disclaimer for Brazil:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000

1Bank of America Merrill Lynch Banco Múltiplo S.A. and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation. All rights reserved.

Disclaimer for Latin America:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed

Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

“Merrill Lynch” is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that Bank of America N.A. and BofA Securities, Inc. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. and its Investment Banking Affiliates provide outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Comisión para el Mercado Financiero and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

©2020 Bank of America Corporation.

Disclaimer for France:

BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is 5,276,300,000 €.

©2020 Bank of America Corporation.

Disclaimer for Hong Kong:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.

Disclaimer for Canada:

"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.  BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).  Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.

Disclosure of best execution obligations and routing practices for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)

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Terms and Conditions

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

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Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

BOFA SECURITIES, INC. – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation.

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